The all-in-one personal finance dashboard combining envelope budgeting, expense tracking, and portfolio management
Stage
Not given
MVP
Founded
Not given
2020
Based in
PL
DE
Pricing model
Not given
Free trial
Pricing
Free: one upload (up to 10 PDF pages). Pass: $7 one-time (1 upload, up to 100 pages). Pro: $12/month or $144 billed yearly (100 pages per month, ~20 statements). Business: $31/month or $372 billed yearly (500 pages per month, ~100 statements, $0.08 per extra page, REST API access).
Free during open beta. Full release will be subscription-based with price TBD. Beta users will receive a discount.
Key features
AI transaction categorization into spending categories
Recurring subscription detection and listing
Income versus expenses breakdown
Spending analysis by category with charts
Export to CSV and Excel formats
OCR support for scanned PDFs and photos
Works with any bank globally
Balance verification to the cent
REST API for developers
Envelope-based budgeting with real-time category tracking
Multi-asset portfolio tracking including stocks, ETFs, crypto, commodities, and forex
Visual reports and Sankey diagrams showing spending flows
Real-time net worth and portfolio performance tracking
Annualized performance and wealth projections
Manual transaction entry with no bank connections required
AES-256 encryption with zero-knowledge architecture
EU server hosting under GDPR compliance
CSV import for portfolio positions
Desktop and mobile access
What makes it different
Bank statement PDF deleted immediately after analysis for privacy
Works with any bank and accepts PDFs, scans, and phone photos
14-day money-back guarantee on all paid reports
Independent EU-based operator with no VC funding or corporate parent
Manual entry by design creates financial awareness and spending habits, unlike automated bank-syncing apps
Combines budgeting and investing in a single app, providing complete net worth view across cash and all assets
Zero-knowledge encryption and EU hosting unlike US-based competitors relying on third-party aggregators
Built by a single developer with no shareholders or exit strategy, focused on quality over growth metrics
Privacy by design with technically impossible data sales due to encryption
mybankstatementanalysis
Finzen